---
product_id: 131861312
title: "Work Optional: Retire Early the Non-Penny-Pinching Way"
brand: "tanja hester"
price: "4201 som"
currency: KGS
in_stock: false
reviews_count: 6
url: https://www.desertcart.kg/products/131861312-work-optional-retire-early-the-non-penny-pinching-way
store_origin: KG
region: Kyrgyzstan
---

# Work Optional: Retire Early the Non-Penny-Pinching Way

**Brand:** tanja hester
**Price:** 4201 som
**Availability:** ❌ Out of Stock

## Quick Answers

- **What is this?** Work Optional: Retire Early the Non-Penny-Pinching Way by tanja hester
- **How much does it cost?** 4201 som with free shipping
- **Is it available?** Currently out of stock
- **Where can I buy it?** [www.desertcart.kg](https://www.desertcart.kg/products/131861312-work-optional-retire-early-the-non-penny-pinching-way)

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- tanja hester enthusiasts

## Why This Product

- Trusted tanja hester brand quality
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## Description

Full description not available

## Images

![Work Optional: Retire Early the Non-Penny-Pinching Way - Image 1](https://images-na.ssl-images-amazon.com/images/I/512QY0C3UoL.jpg)
![Work Optional: Retire Early the Non-Penny-Pinching Way - Image 2](https://images-na.ssl-images-amazon.com/images/I/51IDkB604uL.jpg)

## Customer Reviews

### ⭐⭐⭐⭐⭐ 







  
  
    Authoritative and approachable
  

*by F***E on Reviewed in the United States on February 27, 2019*

I'm a reader of several FIRE (financial independence, retire early) blogs, including the well-written Our Next Life blog, and wasn't sure what I would learn that was new.  Turns out, the book is very balanced in getting a reader to look outward to learn about the nuts and bolts of work-optional life and to look inward at what factors would make such a person (this person) want to pursue such a life.  The book starts with an introspective effort to craft one's money mission statement by identifying common themes across different times in our lives. I had a great time reliving my 12- and 21- year-old dreams (although I'll take the life I have now, thanks very much). It then delves into the essential components of a financial plan. The book really shines here: the money-related details are presented efficiently and authoritatively. The part on healthcare costs is a standout for its fair treatment of the various options that are currently available. The part on "bulletproofing" plans shone as well.  The emphasis on the "non-penny pinching" from the title is evident as Hester focuses her tips on containing the biggest expenses (housing and healthcare in retirement, and housing and transportation in pre-retirement) as well as giving practical tips to further accelerate progress. The final section of the book transitions back to the reader's original vision of work-optional life and advises how to "make the big leap," with gentle reminders for self-care and living a purpose-filled life.This book is highly recommended for those who are curious about FIRE as well as those who are at any point in the accumulation phase. It's an easy read for its conversational tone, but make no mistake, the book also challenged me in thinking through aspects of FIRE I hadn't considered.  There are helpful checklists at the back of several chapters to ensure you don't inadvertently tune out a crucial theme.I thought it might be helpful to give a sense of the non-penny pinching approach to the book, which makes it very approachable to recommend to others. From the index, here is how many pages are devoted to the following topics:Avocado toast, biking to work, or restaurants: 0(Ok, there is one reference to the restaurant Per Se: 1)Starbucks: 1Healthcare: 11Money mission statement: 14Bulletproofing your plan: 20Life vision: 51

### ⭐⭐⭐⭐⭐ 







  
  
    Great 3-Part book if you want to remain open-minded about your financial future
  

*by R***R on Reviewed in the United States on February 28, 2019*

In Part 1, Tanja starts off by explaining what Early Retirement/"Work Optional" life is and challenging you to imagine who you are without work. If you 're stuck, she gives you the cheat code to get unstuck through a series of exploratory questions. You can tell she used to be a consultant because her questions are empathetic in nature, but not wimpy. They make you confront the fact that your current lifestyle and your ideal one may be at odds. The good news is, you probably don't have to wait until retirement to reconcile some of that! In our opinion, the book is worth that act of self-discovery alone.Part 2 is all about planning and this is where thangs got REAL. Tanja doesn't shy away from the fact that none of us have a crystal ball. Instead, she explains how to introduce flexibility into your plan through a number of continencies. She puts all the uncomfortable out in the open where it can be resolved. We also loved how she took the most mundane financial products and gave us a reason to care about them by explaining the tangible benefits in both the short AND long term. We've been in the Accumulation stage of Early Retirement for several years and this section gave us a lot to think about. Turns out, we still have work to do!Part 3 was probably our favorite. It's where she talks about the Big Leap and all the things you need to think about in your final months of traditional employment. We loved the emphasis on spiritual and mental wellness. Tanja reminds us that Health Insurance and employer-match 401ks aren't the only things that are tightly wound to our jobs. Work provides so many emotional rewards like positive feedback and social/intellectual engagement and you don't magically just stop needing those things. Post-retirement, you really have to figure out a way to build a life that still checks those boxes and she walks you though some actionable steps.Overall, this was a FANTASTIC book and one that we'll reference many many mannnny times over the years as a textbook. Highly recommend!

### ⭐ 







  
  
    Not a worthy contribution
  

*by N***K on Reviewed in the United States on September 12, 2019*

Skip this book and pick up "A simple path to wealth" by JL Collins and "How to quit like a millionaire" by Kristy Shen. Use Collins book for investing and Shen for taxes and you're all set. This book really wont contribute much useful information or knowledge that you can put to practical use. You can basically read her blog and get all the info there.

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*Product available on Desertcart Kyrgyzstan*
*Store origin: KG*
*Last updated: 2026-02-22*